Hi Mr AK, I would like to ask whether do you have any past blog post regarding POSB Invest Savers scheme as I would like to apply for this scheme so I could save up with the allowances I will be receiving during my NS period. However, my concern is throughout the long run, lets say there is a recession and there are many good opportunities/companies to invest in and I would like to redeem the units I have in this scheme... Hi When we buy into (POSB Invest Saver), we are pooling money for investing in a basket of stocks. It has advantages and disadvantages. We cannot have our cake and eat it too. If you are concerned, it could be a better idea to hold on to cash and wait for ......